GM National Ins Co
Major Rating Factors:
Fair reserve development (4.8 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (3.2) including excessive premium growth, weak results on operational trends and negative cash flow from operations for 2025. Weak profitability index (2.4) with operating losses during each of the last five years.
Other Rating Factors:
Vulnerable liquidity (2.1) as a spike in claims may stretch capacity. Strong long-term capitalization index (7.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors:
F - Negative cash flow.
G - Fast asset or premium growth.
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
All states except CA, CT, ME, OR, RI, VT
Principal Investments:
Cash (12.5%), investment grade bonds (2.0%), other (85.5%)
Corporate Info
Group Affiliation
General Motors Co
Investment Rating
Company Address
801 Cherry Street
Fort Worth, TX 76102
Fort Worth, TX 76102
Phone Number
(888) 495-4674
NAIC Number
42897
Website
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